“Tim and I would like to express to you our gratitude for our loan. We know all of the extensive hard work that you have put forth to make sure that we got the best loan possible. You have been nothing but honest and hard working and always going the extra mile--we will be forever grateful to you.”~ Tim & Marty S.

“You will never truly appreciate how grateful we are for you helping obtain our refinance and expansion loans. It is life changing. So amazing that we found you. Thank you for supporting our small business.”~ Nathan & Casey A.

“I am always answered promptly and in detail as to why a loan is not a fit. A quick no is far better than a dragged out maybe.”~ Debbie T.

“We truly can not tell you enough how grateful we are for you taking a chance on us and saving our business. We thought you would like to know that we have doubled our sales in the past 2 years and we are experiencing increases monthly. We just wanted to say Thank You again and to let you know we will always remember who helped us get back on track.”~ Vickey & Gary S.

“My clients come to me because they have tried elsewhere with no results and don't qualify as a class "A" borrower. Having [SECC's] options and low upfront costs is what they are looking for.”~ John B.

“Smooth access to unique products and immediate response from underwriting.”~ Robert C.

“Every time that I have had a question, SECC is prompt in getting back to me! I love that they make you feel like a VIP!”~ Donna W.

Featured In

Loan Programs

Small Balance Commercial Real Estate

Subprime SBA

Business Line of Credit

SECC’s commercial real estate program offers fast, permanent mortgage financing with a low documentation process. We offer stated income and full documentation loans and real estate can be held as an investment or occupied by the owner’s business (no personal residences). Purchase, refinance and cash-out refinance (no cap on cash-out) programs are available nationwide except in AZ, MI, MT, ND, NV, OR, SD, TN and VT. We lend on 1 to 4 unit residential, 5+ unit multifamily, mixed-use, office, retail, warehouse, industrial, mobile home parks, self-storage, auto-service, auto-dealers, daycare, restaurants, nightclubs and bars. Apply below to receive your same day pre-approval, there is no upfront credit pull and no upfront fees!

SECC offers streamlined Small Business Administration (SBA) loans for the non-conforming business owner. We have no collateral requirement for loans </= $500,000 andfor loans > $500,000 we can provide up to 150% LTV (loan-to-value) in 1st, 2nd or 3rd position on real estate and/or equipment. Whether you are seeking working capital, funds to purchase real estate, equipment or a business; or want to refinance debt or consolidate merchant cash advances into one affordable monthly payment—we have the right loan for you. Apply below to receive your same day pre-approval, there is no upfront credit pull, no application fee andmost business types are considered (sorry, no startups).

SECC offers the most affordable and accessible business line of credit available. No credit score minimum,no collateral and no UCC/lien filing are required–just an active business bank account. Terms are available from 12 to 24 weeks with fees from 4.66% (that’s only $466 on a $10,000 line!). There are no out-of-pocket fees, no junk fees and no prepay penalty (pay off the line any time without penalty). Apply below (no hard credit pull at application), get approved in minutes and draw funds the next day–or,request your own uniquely code application link to market to your network and earn a 1% referral on each funding! Businesses operating > 3 months and with > $25,000 in revenue are considered.

Originations

Partners

Increase Your Capital Access and Income!
If you’re a lender, broker or entrepreneur interested in monetizing your real estate and business loan leads or fallout by earning generous referral fees–then click the button below!Get Started

Careers

SECC is seeking dedicated, personable and self-starting professionals to join our growing team. If you possess the skills necessary to originate and develop a robust loan pipeline and promptly and courteously attend to clients, or are an experienced and proficient processor or underwriter, we’d love to hear from you: careers[at]southendcapital.com

FAQs

Listed here are the most commonly asked questions about who we are and how we operate. If you have a question that is not found here, please do not hesitate to contact us and we will be happy to address it.

Is SECC a lender or a broker?

SECC is a licensed lender and broker under California Finance Lenders License # 603 L334. SECC funds non-conforming commercial, residential investment and business loans in markets nationwide. SECC also functions as a correspondent or preferred origination source for a small group of banks, institutional lenders, investment funds and private finance companies. In states where SECC is not licensed as a mortgage lender or mortgage broker (and licensing is required), SECC acts strictly as a loan packager for, or a referral source to, those entities licensed to lend.

Why should I work with SECC over other lenders?

If you are a broker or borrower looking for financing in this market, you know the process can be difficult and painstaking. The loan programs SECC offers are genuine, competitive (or more than competitive), and they perform. We handle the heavy lifting so that you can focus your efforts on what’s most important to you. We also offer approved partners fee incentives and provide marketing tools, support and excellent service.

Does SECC charge upfront fees?

Once SECC has analyzed a loan submission and determined its eligibility for financing, a Conditional Financing Approval (CPL) and/or a Letter of Interest (LOI) is issued. Upon acceptance and signing of the CPL, no upfront fees are required. Upon acceptance and signing of an LOI, the borrower will be required to pay a non-refundable underwriting or appraisal fee ranging from $0 to $2,500 depending on loan program applied for. Refunds will not be issued on transactions that do not close because of borrower/broker misrepresentation, cancellation, delays, inability to meet documentation or information requests, omission or fraud, or due to adverse results of third-party reports. A previously submitted underwriting or appraisal fee will be returned in the event that a loan does not close due to SECC error or failure to perform as outlined in the LOI.

Does SECC charge loan points and/or fees at closing?

For our permanent loan programs, SECC is compensated directly by our investors or from the sale of our loans, thus we do not ordinarily charge the borrower any excessive points or fees. For our short-term, SBA or third-party loan programs, SECC charges market fees. We will always provide a fee quote upfront upon request so there are no surprises for the broker or borrower.

How long does it take to close a loan with SECC?

It takes approximately 1-4 weeks to close a non-conforming commercial or non-owner occupied residential loan transaction. SBA transactions can take anywhere from 30-90 days.

Does SECC issue forward commitments?

No. A loan commitment will never be issued for your transaction unless it is ready for closing.

Does SECC offer loan programs outside of the United States?

We offer loan programs in all 50 states, and most domestic primary, secondary and tertiary U.S. markets. We do not offer any loan programs in any other countries.

What collateral will SECC lend against?

Only commercial real estate, 1 to 4 unit non-owner occupied residential properties held (or to be acquired) for investment purposes, businesses and business assets are eligible for financing under our programs. We do not offer financing on owner occupied residential properties, securities or any other types of collateral.

How do I get approved as a partner with SECC?

If you are a lender, mortgage/loan broker, ISO, finance professional or entrepreneur looking to leverage our non-conforming real estate and business loan programs to increase your revenue, then click here to register and be reviewed for approval as a partner. There is no cost to register but you must pass a background check screening. Once approved you will be eligible to receive competitive referral fees from successful loan closings you brokered and/or referred to us.

Are mortgage brokers or third parties ever considered representatives, partners, agents or employees of SECC?

No. No entity or individual other than SECC’s sole principal, Noah Grayson, has any authority to make statements, representations, negotiate terms of a letter of interest or accept payments on behalf of SECC. SECC has no subsidiaries, partners, parent companies or agents, and only those individuals listed on the SECC website and who have a southendcapital.com email extension and SECC phone number, are authorized to transact business for SECC. Any third parties found to be making claims of affiliation with SECC, or representations on behalf of SECC, will be viewed as having committed fraud and be prosecuted to the fullest extent of the law. If you feel you have encountered individuals or entities committing such fraud or falsely identifying themselves as connected to SECC, please contact Noah Grayson immediately at noah[at]southendcapital.com.